FRIDAY, JULY 1, 2022
Insurance companies typically charge young drivers more for car insurance since they are statistically more likely to be involved in damage or injury-causing accidents than more experienced drivers. When drivers turn 25, they may see their car insurance rates drop slightly, depending on several other factors, including their driving record and claims history. 
The agents at Advance Insurance in Orem, Utah, can help you get all the auto discounts available to you to help keep your car insurance as affordable as possible. Contact us today to learn more and get a quote.
What Happens to Car Insurance Rates When You Turn 25?
Depending on the insurance company's criteria, your car insurance rates may drop when you renew your policy after your 25th birthday.
Many 25-year-old drivers see their auto insurance rates drop because insurers no longer consider them high-risk due to their age after they turn 25. If you have a history of auto insurance claims, accidents and moving violations, your rates may remain high even after your 25th birthday.
Is Car Insurance Required in Utah?
In Utah, residents must purchase at least the minimum auto insurance required by law. Utah maintains a database of registered vehicles, and they cross-check those vehicles with insurance company records to verify that all registered vehicles comply with Utah's auto insurance requirements. You may be required to present proof of insurance upon request.
To legally drive a car registered in the state of Utah, you must purchase bodily injury liability, property damage liability, and personal injury protection (PIP) insurance.
These policies do not protect your property, however. You'll need comprehensive and collision coverage if you want coverage for your vehicle. Depending on your situation, your agent may also recommend purchasing GAP insurance to help cover the "gap" between the total amount you owe the lienholder and the settlement from your insurance company in case your vehicle is a total loss after an accident.
What Factors Affect Car Insurance Premiums?
Insurance companies set car insurance premiums using information about the vehicle, the driver and the policy, including:
- Your driving record
- Your age and gender
- Your claims history
- Your location
- The age and value of your vehicle
- The amount and type of auto insurance coverage you choose
- Your deductible
Your agent can help you understand how to get the lowest possible rates without sacrificing essential coverage.
How To Get the Best Car Insurance Rates
Contact the agents at Advance Insurance to learn more about getting the best possible rates on your car insurance. We can help you shop for the coverage you need at a great rate.
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